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Property Type: Detached HouseOwnership: Freehold
75 SPARROW AVENUE
Cambridge, ON N1T0C5
MLS® X13847164
$869,900
4 bed4.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 30 x 98.5 FT
- Frontage
- 30 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,957.99
Interior
- Basement
- Finished, Walk out, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Great room | Main level | — |
| Kitchen | Basement | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Family room | Second level | — |
| Primary Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Basement | — |
| Living room | Basement | — |
| Other | Basement | — |
Description
WOW! FULLY FINISHED WALK-OUT LOWER LEVEL WITH A SECOND KITCHEN, SEPARATE SIDE ENTRANCE AND ITS OWN LAUNDRY! Welcome to 75 Sparrow Avenue, a spacious and versatile 3+1 bedroom, 4-bath detached home offering 1,843 sq. ft. of above-grade living space plus a beautifully finished lower level designed for flexibility. Complete with an additional bedroom, 3-piece bathroom, kitchen, separate laundry, living area and walk-out access to the backyard, this impressive space is ideal for extended or multigenerational living. The bright and functional main floor features a spacious great room, dining area and kitchen, creating an inviting setting for everyday living and entertaining. Upstairs, discover a generous second-floor family room-perfect for movie nights, a home office or an additional lounge. The primary bedroom offers a walk-in closet and private 3-piece ensuite, complemented by two additional bedrooms and another full bathroom. A 1.5-car attached garage and private driveway provide convenient parking and storage. Ideally situated close to schools, parks, shopping, everyday amenities and major routes, 75 Sparrow Avenue offers an exceptional combination of space, functionality and versatility across three finished levels. A home with this much flexibility deserves a closer look! (id:63159)
Listing Information
- MLS®
- X13847164
- Data last synced
- October 14, 2026
HOMELIFE/MIRACLE REALTY LTD
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HOMELIFE/MIRACLE REALTY LTD
MLS® Number: X13847164
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Cambridge average
$416/sqft
251 active listing(s)
Parking: 3 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density:
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Mortgage & Ownership Cost Calculator
Minimum required: 7.1% ($61,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$695,920.00
Periodic payment — Principal & Interest (monthly)$4,489.84
Additional monthly expenses (condo fees, tax, utilities, etc.)$496.50
Total monthly cost$4,986.34
Interest paid over 5-yr term$199,452.67
Balance at end of term$625,982.29
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$61,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,264.32
Cash Needed at Closing
Minimum down payment$61,990
Estimated Land Transfer Tax (LTT)$13,873
Legal / closing costs (typical estimate)$1,500
Total cash needed$77,363
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
